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Limited Benefit, Please Read Carefully

NOTICE TO CONSUMER: THIS IS A SUPPLEMENT TO HEALTH INSURANCE AND IS NOT A SUBSTITUTE FOR MAJOR MEDICAL COVERAGE. LACK OF MAJOR MEDICAL COVERAGE (OR OTHER MINIMUM ESSENTIAL COVERAGE) MAY RESULT IN AN ADDITIONAL PAYMENT WITH YOUR TAXES. ALSO, THE BENEFITS PROVIDED BY THIS POLICY CANNOT BE COORDINATED WITH THE BENEFITS PROVIDED BY OTHER COVERAGE. PLEASE REVIEW THE BENEFITS PROVIDED BY THIS POLICY CAREFULLY TO AVOID A DUPLICATION OF COVERAGE.

ILLINOIS RELIGIOUS FREEDOM PROTECTION AND CIVIL UNION ACT
Effective June 1, 2011

This notice is to advise you of the Illinois Religious Freedom Protection and Civil Union Act (the Act), and its impact on your insurance coverage.

The Act creates a legal relationship between two persons of the same or opposite sex who form a civil union pursuant to the Act. A marriage between persons of the same sex, a civil union, or a substantially similar legal relationship other than common law marriage, legally entered into outside of Illinois, will be recognized in Illinois as a civil union.

Parties to a civil union are entitled to the same legal obligations, responsibilities, protections and benefits that are afforded or recognized by the laws of Illinois to spouses.

Effective June 1, 2011, the term 'spouse' in policies, certificates, and applications will be considered to include the parties to a civil union. Policies of insurance that provide coverage for children will include coverage for the children of civil unions.

NOTICE REGARDING REPLACEMENT
REPLACING YOUR LIFE INSURANCE POLICY OR ANNUITY?

Are you thinking about buying a new life insurance policy or annuity and discontinuing or changing an existing one? If you are, your decision could be a good one–or a mistake. You will not know for sure unless you make a careful comparison of your existing benefits and the proposed policy or contract's benefits.

Make sure you understand the facts. You should ask the company or agent that sold you your existing policy or contract to give you information about it.

Hear both sides before you decide. This way you can be sure you are making a decision that is in your best interest.

Note: *Domestic Partner and Civil Union Partner

With respect to your "spouse" or "Domestic Partner" or "Civil Union Partner" the following definitions apply:

The term "spouse" means a legally married man and woman.

The term "Domestic Partner" or "Civil Union Partner" means two people of the same or opposite sex who have entered into a personal relationship or union that is recognized by a state or government without the implicit historical and religious meaning associated with the term "marriage." A "domestic partner" or "civil union partner" does not include:

persons younger than 18 years of age;
persons who enter into a personal relationship or union prior to the dissolution of a legal marriage, previous personal relationship or union, or substantially similar legal relationship of one of the parties;
persons who are ancestors, descendents, or siblings whether the relationship is by the half or the whole blood or by adoption;
aunts or uncles and a niece or nephew, whether the relationship is by the half or the whole blood or by adoption; nor
first cousins.

Do you have comprehensive medical coverage including the minimum essential coverage required by the Affordable Care Act (ACA) or are you treated as having minimum essential coverage due to your status as a bona fide resident of any possession of the United States?

Yes

If you answered No to the question above, you are not eligible for this policy, in the form of supplemental health insurance.

Do you understand most supplemental only policies may not pay full benefits if your ACA compliant minimum essential coverage plan is not in force?

Yes

Do you understand that the benefits provided under this policy may be limited?

Yes

Would you like a $10,000 Children's Critical Illness Rider?

Yes

Critical Illness Insurance

ILLINOIS RELIGIOUS FREEDOM PROTECTION AND CIVIL UNION ACTEffective June 1, 2011

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ILLINOIS RELIGIOUS FREEDOM PROTECTION AND CIVIL UNION ACT
Effective June 1, 2011